Things I Don't Get #6: Offertory Shenanigans

So you're at church. Maybe you're visiting a parish or maybe you left the fancy labeled envelopes at home, but you'll be making your offering with cash. The offertory rolls around and as you reach into your wallet you realize you don't have the right change. The cognitive dissonance hits you at once: you have more money than you want to give to God. Embarrassed, you put in the whole amount and pray fervently for the redemption of your piteous, covetous soul.

Or, and perhaps this possibility was unknown to you, you can make change from the offerings in the collection basket. Oh you didn't know this option was on the table? Yeah you just stick your big unbroken bill out at the usher like you're paying for a hot dog, feign confusion that he doesn't have change, and then you can start rifling through the basket. Because nothing says transcendence like making sure you can buy stuff later.

Alright, fine: accidents happen. We forget. Humanum est errare. But how does sucking up your embarrassment and putting a check in the mail lose out to fishing the collection basket for change? I don't get it.